Why is a protection claim declined?

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The two most common reasons for declining a protection claim are shown below.

  • The claimant doesn't meet the definition - although you may have been diagnosed with one of the defined critical illnesses, some of the critical illnesses are only payable once the illness has progressed to a prescribed stage. If your illness is not yet at the prescribed stage, your claim would be declined, but you'd still be able to reclaim if the position changed going forwards.
  • Misrepresentation of information at the application stage - if you haven’t completed the application form correctly and we become aware of medical information that would have affected the original underwriting decision, we may not be able to pay a claim.